New US Immigrant Insurance, Compare to buy best US health insurance for new immigrants
US Immigrant health insurance plans offered here provide medical insurance for new US immigrants (Green Card holders sponsored by family members) and potential immigrants (H4 & F2 visa holders) till they are eligible for domestic insurance.Travel medical insurance for travelers stranded in the USA, Canada or Mexico because of Coronavirus
It is heartbreaking to hear of so many people stranded due to COVID-19. So many borders are closing and travel plans have had to be altered. At American Visitor Insurance, we are committed to getting you the best insurance coverage we can in these uncertain times. Of particular note, the company INF insurance which offers travel insurance plans with coverage in the USA, Canada and Mexica. These plans usually have a restriction on coverage of pre-existing medical conditions for their two plans: INF Elite Network Insurance and INF Advantage Insurance unless it is purchased BEFORE the traveler leaves their home country. INF traveler USA also offers coverage for Coronavirus. In light of the coronavirus epidemic, INF is lifting this restriction on pre-existing condition coverage even if purchased after coming to the US.While many other insurers are NOT covering COVID-19 and even voiding policies due to the pandemic, INF insurance is a REAL option for travelers stuck in the US and needing insurance coverage. The INF travel insurance policy is good if you are replacing an existing travel policy that has expired or maybe you didn't have an insurance policy to begin with. International students in the US, Snowbirds from Canada or the UK, tourists from European nations, even US green card holders can purchase these plans. Note that the INF traveler USA and INF Advantage plan ONLY offers coverage in the US, while the INF Elite can be used in the US, Canada, and Mexico (even by US citizens who ordinarily reside outside the US). The INF traveler USA and INF Advantage plan is quite affordable and many travelers and students are even buying this plan to complement their existing insurance option if it has limitations in coverage for COVID-19.
Please know we are here to help you make the best, informed decision to get coverage even for COVID-19! Let us know how we can assist you. Feel free to contact us by email or phone at any time.
Compare new immigrants medical insurance plans:
#1 Maximum Coverage is the maximum eligible medical expenses that the plan will cover.
#2 Deductible is the amount of expenses that must be paid out of pocket before an insurer will pay any expenses.
US immigrant insurance required for US visa
On October 4th, 2019, the Donald Trump administration announced that the US government will insist on proof of health insurance for arriving immigrants without which visas to enter the US will be denied. This rule is effective from November 3rd 2019. The Trump administration states that new immigrants who enter the US without proper US immigrant insurance add to the burden of US taxpayers for the cost of their healthcare.Once this policy comes into effect, prospective new US immigrants would be asked for proof of immigrant health insurance coverage. The Visas can be denied if the consular office is not satisfied by the provided proof of health insurance in the US.
- It is very risky for anyone to be uninsured in the US, especially new immigrants who soon after arriving in the USA are particularly vulnerable given the new environment that they are in.
- There is a waiting period till new US immigrants are eligible for Medicare or to purchase domestic health insurance. Immigrants can however buy new US immigrant insurance plans as an interim coverage.
Yes, there is immigrant health insurance, or health insurance for permanent residents available. However it must be noted that domestic US medical insurance for Green card holders including Medicare and Medicaid have a waiting period of five years. US immigrants are eligible for Medicaid coverage only if they satisfy the resident state’s income or residency rules.
It is important to buy temporary US immigrant health insurance till Green card holders become eligible for domestic insurance plans. The visitor health insurance plans that we offer also work very well as health insurance while waiting for Green card. Given the high cost of US health care, it is very important to have health insurance for elderly immigrant parents and medical insurance for Green card holders even before they become eligible for domestic US plans
Likely US immigrant medical insurance customers
The coverage offered under affordable US immigrant insurance plans vary depending on the specific circumstances of new immigrants. Following are some of the eligibility criteria for green card holders:- Frequently traveling Green Card Holders (between the US and home country): Green card holders who travel to their home country or who may not be staying permanently in the USA are advised to buy new US immigrant health insurance coverage. You should be aware that new immigrants health insurance in USA will not provide coverage for preventative care (health check ups, vaccinations...) or has limited coverage for pre-existing medical conditions.
- Green Card Holders permanently living in the USA: If a US green card holder is living permanently here then he or she is eligible for domestic health insurance plans. However this depends on the duration of stay in US. If you are below 65 years then you are eligible for domestic health insurance plans such as Blue Cross, Blue Shield, however they are usually eligible only after living in the US for 6 months or more. In this case also, purchasing insurance till they become eligible for domestic plans makes sense. For those above 65 years who are not yet eligible for Medicare or domestic health insurance, new immigrants over 65 can select INF insurance
- Recent Green Card Holders or New Immigrants: New immigrants who can be parents or family members who have recently arrived in the USA can buy insurance depending on the duration of stay. These plans can be purchased for the period till you are eligible for domestic health insurance.
- Applied for Green Card and waiting: If your children/grandchildren have applied for Green Card and waiting you can buy insurance coverage which will be suitable for them.
Can I buy US immigrant health insurance after coming to the USA?
Yes! We do recommend that you make your purchase before you leave to start the day you leave your home country until the day you return (bearing in mind the policies are based off of EST). However, you can still buy a policy after you have started your journey. Of course, if you or your visitor is already sick and/or in the hospital, you will not get coverage for that incident. You must have an US immigrant insurance policy in place before something adverse occurs (which is why we recommend covering your entire trip from start to finish).However, sometimes people wait to see what their visitors may want and to discuss options with them. Do not delay because some policies will no longer be an option if you wait too long. Generally, however, all options are open within the first month of arrival to your destination AND these limitations are only for plans which cover trips to the US. International travel has no limitations, so you can buy USA new immigrant health insurance at any time.
- Many options for short and long term stays in US and abroad.
- Some plans are renewable monthly, quarterly, semi-annual, or annually.
- Some plans can be enrolled even 24 months after arriving in the United States.
- Affordable New US Immigrants health insurance plans provide an interim bridge coverage till you are eligible for US domestic health plans.
Which category of Green card holder are you?
Immigrant Plans - Long term Plans
Perfect for people planning on immigrating to US but not yet left their home countries. Read more
Green Card Holders Frequently traveling overseas
Green card holders who travel frequently to their home country.Read more
Recent US Immigrants
New US immigrants who can be parents or family members or Fiancee (K visa) visitors.Read more
Green Card Holders permanently living in US
Compare Green card holder insurance plans who may not immediately qualify for US domestic health insurance.Read more
Applied for Green Card and waiting
Parents who have applied for Green Card and are waiting for approval can buy these insurance plans.Read more
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